American Express Bread Cashback Credit Card Review

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Bread Cashback™ American Express® Credit Card
Editor’s note: (N / A)
  • Introductory offer:

    N / A

  • Regular APR:

    15.74%, 23.24% or 27.24%

  • Recommended credit score:

    670-850 (good to excellent)

NextAdvisor review

Advantages

  • Earn 2% Fixed Cash Back On Every Purchase
  • No annual fee
  • No foreign transaction fees
  • Comes with Amex Benefits

The inconvenients

  • No welcome offer
  • High APR
  • Limited exchanges for rewards
  • No intro APR offer for purchases or balance transfers

The essential

The American Express Bread Cashback Credit Card offers an easy way to earn 2% cash back with no annual fee. There are a few perks for cardholders, like dining discounts and purchase protection, but the card lacks the welcome bonuses and introductory APR benefits you’ll find among most top cashback cards. on the market today.

Additional card details

  • APR variable from 15.74% to 27.24%, depending on solvency
  • Comes with access to Amex offers
  • Buy damage or theft protection
  • Secondary car rental coverage
  • Access to entertainment through Amex
  • Access to Amex offers
  • Up to 20% off your bill or a free aperitif at participating restaurants via Resy

Complete review of the American Express Bread Cashback Credit Card

card type

The American Express Bread Cashback Credit Card is a cash back credit card, and it’s one of the few options that offers a flat 2% cash back with no annual fee required.

Annual fees

You will not pay an annual fee to carry the American Express Bread Cashback Credit Card.

Welcome offer

The American Express Bread Cashback Credit Card does not have any welcome offers, which is a disadvantage compared to some other flat rate cashback options.

Introductory offer

The American Express Bread Cashback Credit Card does not come with an introductory APR for purchases or balance transfers, unlike many other cashback credit cards.

Awards

Cardholders earn unlimited 2% cash back on every purchase, with no caps or categories to track.

Costs

There are no annual fees or foreign transaction fees, and the going APR for this card is 15.74% to 27.24%, depending on creditworthiness. Balance transfers and cash advances both incur a 5% fee with a $10 minimum. If you pay late or your payment is returned, you may be charged a fee of up to $41.

Other benefits

This card provides access to Amex offers, which you can use to earn cashback or rebates on specific purchases, when you activate the offer before making a purchase.

Another benefit of Amex is a 20% discount on your bill or a free aperitif at participating restaurants thanks to Amex’s partnership with Resy. You can explore eligible restaurant locations and offers on the American Express website. Unfortunately, there aren’t many dining options where you can get these extra perks outside of major US cities. And even in large metropolises, the options are few.

You’ll also get purchase protection against damage or theft for 90 days after you make a purchase, which is valid for up to $1,000 per loss and up to $50,000 per cardholder account every 12 months. Plus, receive secondary car rental coverage (up to $50,000 coverage per rental) as travel protection.

Benefits of the American Express Bread Cashback Credit Card

Consider getting the American Express Bread Cashback Credit Card if you want 2% cash back with no annual fees or foreign transaction fees. This card may also be a good option if you have Amex benefits such as Amex offers, for discounts or rewards when shopping at participating restaurants and retailers.

Disadvantages of American Express Bread Cashback Credit Card

The American Express Bread Cashback Credit Card has a few major drawbacks, especially when compared to similar credit cards. There’s no welcome offer when you sign up, and you won’t get a 0% APR intro on purchases or balance transfers.

When you look at other rewards credit cards with no annual fee, many offer 0% APR on purchases, balance transfers, or both for a limited time. Most also come with a welcome offer of at least $150 to $200 when you can meet a minimum spending requirement in the first few months.

Finally, many cash back credit cards allow you to redeem your rewards for flexible options like gift cards, merchandise, or travel in addition to cash back.

How to Use American Express Bread Cashback Credit Card

If you decide to sign up for the American Express Bread Cashback Credit Card, you can maximize your rewards by using the card for all your purchases and bills, to earn as many rewards as possible with the 2% cash back rate at over time. .

However, as with any card, make sure you always have a plan to pay off your balance in full each month and not charge more than you can afford. If you have a balance, this card’s exorbitant APR (15.74% to 27.24%, depending on creditworthiness) will cost you much more than the 2% cash rewards.

If you are planning to make a large purchase that you want to be protected against, the purchase protection benefit of this card can be useful. American Express Bread Cashback Credit Card Retailer Protection applies against damage or theft for up to 90 days from the date of purchase. Coverage is also valid for up to $1,000 per loss and up to $50,000 per cardholder account every 12 months.

Bread Cashback American Express Credit Card vs. Other Cards

  • Introductory offer:

    N / A

  • Regular APR:

    15.74%, 23.24% or 27.24%

  • Recommended credit:

    670-850 (good to excellent)

  • Learn more external link icon On the secure site of our partner
Learn more external link icon

Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Card

Editor’s note: (4.6/5)
  • Introductory offer:
  • Annual subscription :

    $0

  • Regular APR:

    15.74%, 20.74% or 25.74% Variable APR

  • Recommended credit:

    670-850 (good to excellent)

  • Apply now external link icon On the Wells Fargo secure site See rates and fees.
Learn more external link icon

Hunt Unlimited Freedom®

Hunt Unlimited Freedom®

Editor’s note: (4.7/5)
  • Introductory offer:
    Earn 1.5% Extra Cash Back
  • Annual subscription :

    $0

  • Regular APR:

    15.24% to 23.99% variable

  • Recommended credit:

    670-850 (good to excellent)

  • Apply now external link icon On Chase’s secure site

Is the American Express Bread Cashback Credit Card right for you?

Editorial independence

As with all of our credit card reviewsour analysis is not influenced by any advertising partnership or relationship.

If you want to earn 2% cash back with no annual fee, this card is a solid option. Other Amex perks, including access to Amex deals, access to early ticket presales and discounts at Resy restaurants could also make the card more attractive.

That said, there are other rewards cards that offer the same rate and no fees, but also come with a welcome offer, introductory APR, and other ways to redeem your rewards.

Before applying, always be sure to compare all the options available to you before making your decision, from credit cards with rewards to other cash back cards with no annual fee, and compare the rewards and benefits that match your spending habits and goals.

Frequently Asked Questions (FAQ)

Does the American Express Bread Cashback Credit Card charge foreign transaction fees?

The American Express Bread Cashback credit card does not charge foreign transaction fees.

How can you redeem rewards with the American Express Bread Cashback Credit Card?

You can redeem rewards for cash back or statement credit.

Is the American Express Bread Cashback Credit Card a metal credit card?

The American Express Bread Cashback Credit Card is not a metal credit card.

Which bank issues the American Express Bread Cashback credit card?

Although it works on the American Express card network, the American Express Bread Cashback credit card is issued by Comenity Bank.